Dave Says

Dave Ramsey
December 05, 2017 - 12:54 pm
Dear Dave, I just accepted a new job that will pay me $30,000 a year more than my old position. I’ve got about $55,000 in debt I’ve been working hard to pay off, and I know now I need to adjust my budget. Do you have any advice? Mitch Dear Mitch, The first thing I’d say is don’t go crazy on any big...
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Dave Ramsey
December 04, 2017 - 12:48 pm
If you’re like the Hogan household, the month of December means one thing — Christmas! Decorations, parties, church, family time and lots of stocking stuffers! In the seasonal hullabaloo, it’s easy to forget one very important activity that must be on your to-do list: an end-of-year financial check...
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Dave Ramsey
November 28, 2017 - 12:49 pm
Dear Dave, My wife and I are trying to improve our finances by living on a budget and following your plan. We’re in the middle of Baby Step 2, so we’re working to pay off everything but our house using the debt snowball. We only bring home about $40,000 a year combined right now, so how should we...
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November 20, 2017 - 4:05 pm
Dear Dave, I’ve been trying to save cash to buy a home, but things always seem to come up that eat away at my savings. I have $130,000 set aside, plus an emergency fund, and I make $120,000 a year. I’m debt-free and renting right now, but eventually I’d like to buy a house in the $300,000 range. I...
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Dave Ramsey
November 14, 2017 - 2:08 pm
Dear Dave, Our son is about to graduate from law school. He took out a loan to cover the cost, but we’ve always been debt-free and have been paying on it to help him out while he finishes his studies. The balance on the loan right now is around $30,000. He has a job waiting for him after he...
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Dave Ramsey
November 06, 2017 - 4:58 pm
Dear Dave, Do you have any tips for how single people can stay on track with their finances? Deb Dear Deb, The first thing I’d suggest is the same advice I give to married couples, and that is to spend less than you make, and live on a written, monthly budget. Sit down at the end of each month and...
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Dave Ramsey
November 01, 2017 - 9:00 am
Courtesy of DaveRamsey.com In November, we travel and we eat. We shop for Christmas gifts, and we eat some more. The best way to enjoy this time of year, and not lose control of your money, is to make a budget for the month’s special costs. With that in mind, here are some budget items to be ready...
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Dave Ramsey
October 31, 2017 - 11:33 am
Dear Dave, What are some ways to teach pre-teens the value of giving versus getting during the holiday season? Phil Dear Phil, As a parent, one of the best things you can do is be a living, breathing example of the importance of giving and caring about others. There’s nothing wrong with having some...
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Dave Ramsey
October 24, 2017 - 12:04 pm
Dear Dave, I have a rental property that I still owe some money on, and I’ve just begun Baby Step 2 of your plan. Should rental property debt be included in the debt snowball? Matt Dear Matt, No, it shouldn’t. Baby Step 2 of my plan is where you use the debt snowball to pay off all debt — from...
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Dave Ramsey
October 18, 2017 - 12:54 pm
We love Halloween. What other night can you dress like a hot dog and eat all your favorite childhood sweets without having someone judge you? The problem is, we may love it a little too much. According to the National Retail Federation, Americans will spend around $9.1 billion — that’s “billion”...
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